Edison National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.74 percentage points in Q2 2026 to 8.72%, the biggest move on this page. Within Florida, Edison National Bank is 6th of 56 on CET1 ratio, 29.49% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Edison National Bank reported 29.49% on CET1 ratio in Q2 2026, 14.42 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.49% |
| Tier 1 risk-based capital ratio | 29.49% |
| Total risk-based capital ratio | 30.74% |
| Tier 1 leverage ratio | 9.03% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.1M |
| Tier 1 capital | $42.1M |
| Total risk-based capital | $43.8M |
| Total equity capital | $39.6M |
| Risk-weighted assets | $142.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.72% |
| Tangible equity to tangible assets | 8.72% |
| Equity capital to average assets | 8.50% |
| Internal capital growth rate | 6.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $29.5M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.59% | 23.59% | 24.84% | 8.03% | $153.7M |
| Q4 2023 | 23.42% | 23.42% | 24.67% | 8.03% | $152.4M |
| Q1 2024 | 24.30% | 24.30% | 25.55% | 8.42% | $154.0M |
| Q2 2024 | 24.80% | 24.80% | 26.06% | 8.56% | $152.3M |
| Q3 2024 | 25.20% | 25.20% | 26.45% | 9.03% | $151.6M |
| Q4 2024 | 24.66% | 24.66% | 25.92% | 9.03% | $152.9M |
| Q1 2025 | 26.33% | 26.33% | 27.58% | 9.03% | $147.0M |
| Q2 2025 | 26.96% | 26.96% | 28.21% | 9.06% | $141.9M |
| Q3 2025 | 26.53% | 26.53% | 27.79% | 9.10% | $141.1M |
| Q4 2025 | 25.76% | 25.76% | 27.01% | 9.04% | $146.3M |
| Q1 2026 | 28.22% | 28.22% | 29.47% | 9.02% | $143.3M |
| Q2 2026 | 29.49% | 29.49% | 30.74% | 9.03% | $142.6M |
Edison National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Edison National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Edison National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34489) · FFIEC NIC profile (RSSD 2594419)